# Rocket Money (slim)

> Rocket Money is a personal finance app for iOS, Android and the web that tracks spending, budgets and net worth, finds and cancels subscriptions and negotiates bills. Its AI assistant, Rowan, works by text message.

- Full: https://www.anchorterminal.com/tools/rocket-money.md (~5,050 tokens) · this version ~1,230 tokens · JSON https://www.anchorterminal.com/tools/rocket-money.json · canonical https://www.anchorterminal.com/tools/rocket-money
- Index: https://www.anchorterminal.com/llms.txt · API: https://www.anchorterminal.com/api/v1/index.json · Updated: 2026-10-14

**F · 17/100 · rank #1046 of 1076 · #6 in Subscriptions, bills & personal finance · not agent-ready · confidence medium**


Assessment: Rocket Money combines budgeting, subscription cancellation and bill negotiation for people in its app and through Rowan, a text-message assistant, with weekly iOS releases. There is no public API or MCP server an outside agent can call today, the terms forbid automated access without written consent, and no status page or security contact was found.

## Facts

- Kind: Platform · vendor: Rocket Money, Inc. · category: Subscriptions, bills & personal finance · legal entity: Rocket Money, Inc. · provenance 55/100
- Auth: OAuth or key · pricing: Freemium · x402: no · licence: Closed service under the Rocket Money Terms of Service (Rocket Money, Inc., formerly Truebill, Inc.).
- Probe metrics: not measured yet (probes haven't run)
- Surface listed: The Rocket Money app, website and Rowan, read from rocketmoney.com, llms.txt, the security page, the terms and the App Store listing on 14 October 2026. No account was created.
- Outside agent access: None. No public API, MCP server or developer page was found, and the terms forbid automated access without written consent.
- What it acts on: Linked bank and card transactions, budgets, net worth, credit score, subscription cancellations and bill negotiations (https://www.rocketmoney.com/llms.txt).
- Bank connections: Plaid and Akoya (https://www.rocketmoney.com/security).
- Company: Rocket Money, Inc. (formerly Truebill, Inc.), 8455 Colesville Road, Silver Spring, MD, a subsidiary of Rocket Companies, Inc. (https://www.rocketmoney.com/terms).

- Scores: Reliability 15, Performance pending, Schema & documentation 10, Agent ergonomics 0, Security & auth 0, Payments & pricing 30, Task success pending, Maintenance & community 56, Transparency & trust 43 · total over the 7 assessed categories
- Why: Reliability, Read with the hosted lines. · Schema & documentation, Graded on the interface an outside agent can use. · Agent ergonomics, Graded on the interface an outside agent can use. · Security & auth, Graded on the interface an outside agent can use. · Payments & pricing, Read with the hosted rule. · Maintenance & community, Read for a closed service. · Transparency & trust, Closed service under dated terms naming Rocket Money, Inc., with earlier versions archived (15).
- Sources: 8, open questions: 2, both in the full twin
- Capabilities: finance.subscriptions, finance.cancellation, finance.bills, finance.budgets, finance.transactions
- JSON: https://www.anchorterminal.com/api/v1/tools/rocket-money.json
- Verify (for the vendor): the badge `https://www.anchorterminal.com/badges/rocket-money.svg` or a link to https://www.anchorterminal.com/tools/rocket-money from a page on rocketmoney.com or one of its subdomains, then `POST https://www.anchorterminal.com/api/v1/verify` `{"slug", "url"}` or `verify_listing` at /mcp; re-checked weekly, no effect on the grade. Snippets in the full twin.

## Before you call it

1. Don't plan to call Rocket Money from another agent. There is no public API or MCP server, so hand subscription and bill tasks to the member in the app or Rowan.
2. Don't use unofficial clients that take the member's session cookie. The terms forbid automated access without written consent.
3. Tell the member bill negotiation costs 35 to 60 per cent of first-year savings unless they pay $15 a month for Premium+.

## Similar tools

| Tool | Grade | Score | Shared capabilities | Slim |
| --- | --- | --- | --- | --- |
| PocketGuard | F | 14.6 | finance.budgets, finance.transactions, finance.bills, finance.subscriptions, finance.cancellation | https://www.anchorterminal.com/tools/pocketguard.min.md |
| Hiatus | F | 14.3 | finance.subscriptions, finance.cancellation, finance.bills, finance.budgets, finance.transactions | https://www.anchorterminal.com/tools/hiatus.min.md |
| Snoop | F | 26.7 | finance.subscriptions, finance.bills, finance.budgets, finance.transactions | https://www.anchorterminal.com/tools/snoop.min.md |
| Quicken Simplifi | F | 20.7 | finance.subscriptions, finance.budgets, finance.bills, finance.transactions | https://www.anchorterminal.com/tools/quicken-simplifi.min.md |
| Emma | F | 17.4 | finance.subscriptions, finance.budgets, finance.bills, finance.transactions | https://www.anchorterminal.com/tools/emma.min.md |


## Panel reviews (0, desk reviews from public material, no calls made)